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Cooperative Credit Union Association's Member Performance
How the 163 credit unions across Cooperative Credit Union Association's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: Delaware, Massachusetts, New Hampshire, Rhode Island.
NCUA data through Q1 2026.
Cooperative's 163 credit unions serve 3,856,424 members and hold $72.29B in combined assets. The median Cooperative credit union earned a 0.59% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Cooperative credit unions was -0.96%, compared with -0.55% nationally. Median one-year asset growth was 2.45%, compared with 2.78% nationally. So far this year, one Cooperative credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Cooperative at a glance
Cooperative vs. the United States
System totals are the sum of every credit union in Cooperative. The share column is Cooperative's portion of the national figure.
| Measure | Cooperative | United States | Cooperative share |
|---|---|---|---|
| Credit unions | 163 | 4,335 | 3.8% |
| Members | 3,856,424 | 147,031,529 | 2.6% |
| Residents (population) | 10,709,428 | 340,110,988 | 3.1% |
| Total assets | $72.29B | $2,507.50B | 2.9% |
| Total loans | $55.07B | $1,744.86B | 3.2% |
| Total shares & deposits | $60.70B | $2,143.21B | 2.8% |
| Total net worth | $7.94B | $282.23B | 2.8% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Cooperative credit unions report about 36 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Cooperative credit unions serve members in other states, so it overstates true in-state penetration.)
The median Cooperative credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Cooperative CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.59% | 0.66% |
| Net worth ratio | 11.65% | 12.44% |
| Loan-to-share ratio | 72.24% | 67.86% |
| Delinquency ratio | 0.42% | 0.63% |
| Net charge-off ratio | 0.11% | 0.33% |
| Cost of funds | 1.20% | 1.05% |
| Member growth (1 yr) | -0.96% | -0.55% |
| Asset growth (1 yr) | 2.45% | 2.78% |
| Loan growth (1 yr) | 0.48% | 0.63% |
| Share growth (1 yr) | 2.71% | 2.36% |
| Net worth growth (1 yr) | 4.88% | 5.57% |
Trends over time
The median Cooperative credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.54% · 0.72%
— Cooperative ‑‑ U.S.
Net worth ratio 11.65% · 12.46%
— Cooperative ‑‑ U.S.
Loan-to-share ratio 74.95% · 69.70%
— Cooperative ‑‑ U.S.
Delinquency ratio 0.54% · 0.72%
— Cooperative ‑‑ U.S.
Asset growth (1 yr) 2.96% · 3.26%
— Cooperative ‑‑ U.S.
Member growth (1 yr) -0.56% · -0.52%
— Cooperative ‑‑ U.S.
Cooperative leaderboards
Largest by assets
- 1 Service Credit Union $6.63B
- 2 Navigant Credit Union $4.18B
- 3 Rockland Credit Union $3.74B
- 4 Pawtucket Credit Union $3.47B
- 5 Metro Credit Union $3.30B
- 6 Workers' Credit Union $2.51B
- 7 Merrimack Valley Credit Union $2.39B
- 8 Hanscom Credit Union $2.19B
- 9 Jeanne D'Arc Credit Union $2.19B
- 10 Northeast Credit Union $2.08B
Highest return on assets
- 1 Postal Empl. CU of New Hampshire Credit Union 2.01%
- 2 Springfield Mass. Municipal Emp. Credit Union 1.86%
- 3 Webster First Credit Union 1.74%
- 4 Northeast Credit Union 1.35%
- 5 Community Powered Credit Union 1.18%
- 6 Granite State Credit Union 1.16%
- 7 Somerville Municipal Credit Union 1.15%
- 8 Franklin First Credit Union 1.15%
- 9 Brookline Municipal Credit Union 1.13%
- 10 New Hampshire Credit Union 1.09%
Fastest-growing (organic)
- 1 Hanscom Credit Union 19.07%
- 2 Community Powered Credit Union 17.42%
- 3 General Electric River Works Empl. Credit Union 11.44%
- 4 Gardner Franco-American Credit Union 10.40%
- 5 Holy Rosary Regional Credit Union 10.19%
- 6 Service Credit Union 9.97%
- 7 Westport Credit Union 9.70%
- 8 Sharon & Crescent United Credit Union 9.04%
- 9 Bellwether Community Credit Union 8.35%
- 10 Somerset Credit Union 8.10%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Cooperative's footprint (DE, MA, NH, RI) that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.